Nisab & Zakat 2026 Calculator
Check in seconds whether your wealth reaches the Nisab threshold and calculate the exact amount of your 2.5% Zakat. Daily gold and silver spot prices in 11 currencies (Dollar, Dirham, Riyal, Dinar, Euro…).
Your assets
Cash on hand, checking, savings.
Jewellery, bars, coins.
Jewellery, bars, coins.
Trade inventory, recoverable debts owed to you.
Unpaid bills, debts due now. Long-term loans are generally not deductible.
Two valid scholarly conventions; they differ by the weight of the mithqal (4.25 g or 4.374 g). Same choice as in the app.
Understanding the Nisab
The Nisab is the minimum wealth threshold at which Zakat becomes obligatory for a Muslim. It was set by the Prophet (peace be upon him) at the equivalent of:
- 85 grams of pure gold (20 gold dinars of that time, at a mithqal of 4.25 g)
- 595 grams of pure silver (200 silver dirhams of that time)
These are the values of the classical convention, which Sandouq uses by default. A second convention, known as modern, takes a mithqal of 4.374 g, giving 87.48 g of gold or 612.36 g of silver. Both are valid scholarly conventions: they differ only in the weight assigned to the mithqal. The calculator above and the app let you choose.
Because the gold/silver ratio has shifted significantly since the 7th century, these two thresholds no longer point to the same monetary value today. Most contemporary scholars (European Council for Fatwa and Research, AAOIFI, IFA) recommend the silver threshold because it is lower — broadening the circle of contributors and benefiting more recipients.
Conditions of Zakat
- Be Muslim, free, and of sound mind.
- Possess the Nisab in net wealth (assets minus debts due).
- Hold this wealth for a full lunar year (hawl, approximately 354 days).
- The wealth must be productive — everyday personal use (residence, car, clothing) is excluded.
Frequently asked questions
When should I pay Zakat?
Once per lunar year, on the date your wealth first reached the Nisab. Many Muslims choose the month of Ramadan to benefit from the multiplied reward, but this isn't required — your personal hawl date is what counts.
Who can receive Zakat?
The Qur'an (Surah At-Tawbah, 9:60) lists eight categories of recipients: the poor, the needy, those employed to collect it, those whose hearts are to be reconciled, freeing captives, the indebted, in the cause of Allah, and the traveller. You can give to accredited charities, eligible relatives, or directly to identified beneficiaries.
Is gold jewellery zakatable?
Opinions differ. The Hanafi school holds that regularly worn jewellery is zakatable. The Maliki, Shafi'i, and Hanbali schools generally distinguish jewellery in use (not zakatable) from jewellery held as a store of value (zakatable). Consult your own scholar.
How does Sandouq calculate the Nisab automatically?
The Sandouq Android app fetches daily gold and silver spot prices in your currency, applies the convention you choose — classical (85 g / 595 g, the default) or modern (87.48 g / 612.36 g) — and automatically compares them to the wealth you've declared in the app. A notification alerts you the moment your hawl is reached.
Is cryptocurrency zakatable?
Contemporary opinions tend to treat cryptocurrencies as a zakatable asset when held as an investment or store of value, much like cash. Add their market value in the "Other liquid assets" field. Sandouq does not offer native crypto tracking.
Disclaimer: This calculator is an indicative, educational tool. It does not replace the opinion of a qualified scholar or an accountant. The prices used are average spot prices and may differ from local buy or sell prices.
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